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I agree, look before you leep, but sometimes you get what you pay for and institutional finds, while lower in costs, are not always good investments. At the same time, there are plenty of low cost investments not available in the 401k, such as some ETFs or index mutual funds, that are excellent investments. That said, Fidelity is a good company with excellent online tools should OP choose to direct invest their retirement savings, though mutual funds should be restricted to the no-fee variety.

Who thinks there are are more options available than balancing returns and fees...
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